Head of Credit RiskResponsibilities : Implement the credit risk management framework including ongoing identification, assessment, monitoring and reporting of key credit risk exposureConduct portfolio data analysis on post lending accounts to identify the associated credit risks and problems and make appropriate recommendations on risk mitigationMonitor the performance of loan portfolios to ensure they comply with the credit risk strategies, policies and manualsSolicit and analyze market-related information on the practice or trend of consumer and SME lending risk management, and make recommendations to Senior Management for procedural reviewsReview and validate credit decision process and credit modelling, and identify areas for improvementsWork closely with business teams, product team, data scientists to drive various initiatives to achieve business needs within risk appetite Qualifications : Bachelor or above degree with major in Mathematics, Statistic, Information System, or Financial Engineering or etc.Minimum 8 years of relevant experiences in retail credit business including consumer lending or micro-SME lending in the banking or financial industry.Minimum 3 years of Brazil Local experience required minimum 3 years of Brazil Local experience requiredSelf-initiated and innovative, excellent analytical skill and ability to handle multi-tasks under a tight schedule.Proficient in both Portuguese and English required in a multi-national work environmentFamiliar with local regulatory requirements, and experience working with local regulators a plusProficient in computer applications (MS Word, Excel, PowerPoint, SQL, data analytics tools, etc)Preferably with either CFA or FRM certificationBrazilian preferred and the local residence is required